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ACBI

Atlantic Capital BancsharesNasdaqGS:ACBI Stock Report

Market Cap

US$566.3m

7D

-0.2%

1Y

77.9%

Updated

04 Dec, 2021

Data

Company Financials +
ACBI fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends0/6

ACBI Stock Overview

Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A.

Atlantic Capital Bancshares Competitors

First Financial Bankshares

NasdaqGS:FFIN

US$7.2b

ServisFirst Bancshares

NYSE:SFBS

US$4.4b

Live Oak Bancshares

NasdaqGS:LOB

US$3.6b

BankUnited

NYSE:BKU

US$3.5b

Price History & Performance

Summary of all time highs, changes and price drops for Atlantic Capital Bancshares
Historical stock prices
Current Share PriceUS$27.89
52 Week HighUS$30.17
52 Week LowUS$14.50
Beta0.83
1 Month Change-3.73%
3 Month Change15.15%
1 Year Change77.87%
3 Year Change59.74%
5 Year Change64.54%
Change since IPO78.10%

Recent News & Updates

May 14
This Is Why Atlantic Capital Bancshares, Inc.'s (NASDAQ:ACBI) CEO Compensation Looks Appropriate

This Is Why Atlantic Capital Bancshares, Inc.'s (NASDAQ:ACBI) CEO Compensation Looks Appropriate

CEO Doug Williams has done a decent job of delivering relatively good performance at Atlantic Capital Bancshares, Inc...

Shareholder Returns

ACBIUS BanksUS Market
7D-0.2%-2.8%-2.7%
1Y77.9%35.5%16.6%

Return vs Industry: ACBI exceeded the US Banks industry which returned 40.8% over the past year.

Return vs Market: ACBI exceeded the US Market which returned 19.4% over the past year.

Price Volatility

Is ACBI's price volatile compared to industry and market?
ACBI volatility
ACBI Average Weekly Movement4.6%
Banks Industry Average Movement3.8%
Market Average Movement6.1%
10% most volatile stocks in US Market14.8%
10% least volatile stocks in US Market2.4%

Stable Share Price: ACBI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: ACBI's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2006212Doug Williamshttps://www.atlanticcapitalbank.com

Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A. that provides banking products and services. The company offers non-interest and interest bearing demand, savings and money market, time, and brokered deposits. It also provides working capital and equipment loans, loans supported by owner-occupied real estate, revolving lines of credit, term loans, and letters of credit; secured installments and home equity lines of credit; and commercial real estate loans, including secured construction loans, secured mini-permanent loans, and secured or unsecured lines of credit, as well as small business administration and franchise finance loans.

Atlantic Capital Bancshares Fundamentals Summary

How do Atlantic Capital Bancshares's earnings and revenue compare to its market cap?
ACBI fundamental statistics
Market CapUS$566.30m
Earnings (TTM)US$48.43m
Revenue (TTM)US$118.57m

11.7x

P/E Ratio

1.6x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ACBI income statement (TTM)
RevenueUS$118.57m
Cost of RevenueUS$0
Gross ProfitUS$118.57m
ExpensesUS$70.13m
EarningsUS$48.43m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.39
Gross Margin100.00%
Net Profit Margin40.85%
Debt/Equity Ratio22.2%

How did ACBI perform over the long term?

See historical performance and comparison

Valuation

Is Atlantic Capital Bancshares undervalued compared to its fair value and its price relative to the market?

39.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: ACBI ($27.89) is trading below our estimate of fair value ($46.27)

Significantly Below Fair Value: ACBI is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: ACBI is poor value based on its PE Ratio (11.7x) compared to the US Banks industry average (10.8x).

PE vs Market: ACBI is good value based on its PE Ratio (11.7x) compared to the US market (16.9x).


Price to Earnings Growth Ratio

PEG Ratio: ACBI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: ACBI is overvalued based on its PB Ratio (1.6x) compared to the US Banks industry average (1.1x).


Future Growth

How is Atlantic Capital Bancshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

-2.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: ACBI's earnings are forecast to decline over the next 3 years (-2.1% per year).

Earnings vs Market: ACBI's earnings are forecast to decline over the next 3 years (-2.1% per year).

High Growth Earnings: ACBI's earnings are forecast to decline over the next 3 years.

Revenue vs Market: ACBI's revenue (5.5% per year) is forecast to grow slower than the US market (10% per year).

High Growth Revenue: ACBI's revenue (5.5% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: ACBI's Return on Equity is forecast to be low in 3 years time (10.4%).


Past Performance

How has Atlantic Capital Bancshares performed over the past 5 years?

36.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: ACBI has high quality earnings.

Growing Profit Margin: ACBI's current net profit margins (40.8%) are higher than last year (25.6%).


Past Earnings Growth Analysis

Earnings Trend: ACBI's earnings have grown significantly by 36.5% per year over the past 5 years.

Accelerating Growth: ACBI's earnings growth over the past year (145.5%) exceeds its 5-year average (36.5% per year).

Earnings vs Industry: ACBI earnings growth over the past year (145.5%) exceeded the Banks industry 43.1%.


Return on Equity

High ROE: ACBI's Return on Equity (13.3%) is considered low.


Financial Health

How is Atlantic Capital Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: ACBI's Assets to Equity ratio (11.6x) is moderate.

Allowance for Bad Loans: ACBI has a sufficient allowance for bad loans (587%).

Low Risk Liabilities: 97% of ACBI's liabilities are made up of primarily low risk sources of funding.

Loan Level: ACBI has an appropriate level of Loans to Assets ratio (53%).

Low Risk Deposits: ACBI's Loans to Deposits ratio (60%) is appropriate.

Level of Bad Loans: ACBI has an appropriate level of bad loans (0.2%).


Dividend

What is Atlantic Capital Bancshares's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate ACBI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate ACBI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if ACBI's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ACBI's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of ACBI's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.2yrs

Average management tenure


CEO

Doug Williams (63 yo)

15.17yrs

Tenure

US$898,759

Compensation

Mr. Douglas L. Williams, also known as Doug, is the Chief Executive Officer and a Director of Atlantic Capital Bank, National Association and its holding company, Atlantic Capital Bancshares, Inc. since Oc...


CEO Compensation Analysis

Compensation vs Market: Doug's total compensation ($USD898.76K) is below average for companies of similar size in the US market ($USD1.76M).

Compensation vs Earnings: Doug's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: ACBI's management team is seasoned and experienced (5.2 years average tenure).


Board Members

Experienced Board: ACBI's board of directors are considered experienced (5.2 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: ACBI insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Atlantic Capital Bancshares, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Atlantic Capital Bancshares, Inc.
  • Ticker: ACBI
  • Exchange: NasdaqGS
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$566.299m
  • Shares outstanding: 20.30m
  • Website: https://www.atlanticcapitalbank.com

Number of Employees


Location

  • Atlantic Capital Bancshares, Inc.
  • Resurgens Plaza
  • Suite 1600
  • Atlanta
  • Georgia
  • 30326
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/12/04 00:09
End of Day Share Price2021/12/03 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.